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What is zippay?

ZipPay is a safe, simple and convenient way to pay for your purchase over time. It provides you with the flexibility to buy today and pay later on an interest-free payment plan.


Complete your application and
get a decision in minutes


ZipPay pays Beacon Lighting
on your behalf


You pay ZipPay overtime in easy
monthly payments


Who can apply?

Anyone who’s 18 years of age, an Australian citizen or a resident and employed in some capacity can apply.

How can I apply?

Click here and complete the easy three minute application. You'll be surprised at how simple the process is. Once approved and you accept the terms and conditions, ZipPay will pay us on your behalf.

What else should I know?

Although ZipPay's interest-free plan allows you to shop today without paying anything upfront, it’s a loan and must be paid back. If you’re unable to do so, it could affect your future credit rating. ZipPay's payment plans are interest free for up to six months, but please be aware that interest will start to accrue after the interest-free period. You can see your interest-free balance, how long it’s estimated to take you to repay the loan and change your payment schedule in your digital wallet.

What are the benefits?

You can buy the goods you want today and pay nothing upfront. By paying with your ZipPay account, you can split the cost of your purchase and pay over time. ZipPay even pays us on your behalf, no money ever changes hands. You're also provided with a virtual account so for your next purchase, all you need to do is sign in to your digital wallet, confirm and pay. There's no more need to use your credit card or seek a loan elsewhere. It's simple and easy to use.

What are the fees?

ZipPay is always interest free. No deposit, so nothing to pay today but minimum monthly payments apply. A monthly account fee of $9.95 and a one off establishment fee may apply for new customers. Please refer to your contract, terms and conditions for further information.

Where can I find out more?

Call ZipPay on (02) 8294 2345 or email

Terms and Conditions

ZipPay is available to approved applicants only. You may be approved for a lower limit. A monthly service fee of $9.95 applies but if you pay your balance by the due date, the service fee is waived. So, no balance, no fee. See your contract for details. ZipPay Payments Pty Ltd. ABN 58 164 440 993.

*Zip Pay: Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we’ll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. T&Cs apply.